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I am so stupid.

(42 Posts)
McNewPants2013 Sat 13-Jul-13 01:56:30

i am swimming in debt, but why do i feel the need to spend all the time.

manage to clear £300 on littlewood and just order a pool and trampoline and a swing for my kids, i know i cant afford it so why did i just do it.

can i cancel or have i fucked up again.

3littlefrogs Sat 13-Jul-13 09:05:05

When my dc were little even their clothes came from charity shops/second hand. They really didn't care.

They didn't have a swing or a trampoline - I got a cheap paddling pool from argos.

Shylepite Sat 13-Jul-13 09:09:49

This is a minor blip which you can easily rectify - just cancel the things you've just ordered. Poundland has some cheap water pistols and garden toys in atm which your dc will get lots of fun out of. You've done amazingly well so far, keep it up and imagine how good you will feel when its all paid off grin

topsyandturvy Sat 13-Jul-13 09:11:05

Cancel all but one item then get straight back on the wagon

You have bought the stuff because it makes you fell better about how your kids have lived whilst you have been paying off your debts, nothing wrong with that, but imagine how much better you will feel when you have paid it all off and can afford to treat them every month

noisytoys Sat 13-Jul-13 09:37:57

You have paid off £11k of debt!! That's incredible!! Cancel this order, keep going the way you're going and you'll be debt free in no time smile

raisah Sat 13-Jul-13 11:19:32

Well done that's a fantastic achievement. Also, reduce the credit limit from £400 to £200 so you are not tempted further.

Do you have a toy library near you? They are good to borrow toys from cheaply, there is one near me and you can borrow outdoor toys cheaply. Nearly new sales are good as well, your kids dont have to go without you just have to be a bit inventive. Can you arrange a toy swap with friends ir have a look at freecycle? My BIL works near Kensington & picks up amazing things in skips outside the big posh houses. Charity shops in affluent areas are brilliant for picking up bargains.

WafflyVersatile Sat 13-Jul-13 11:40:56

Well done on paying back £11k.

Your children will manage to be happy without 3 massive and expensive garden toys.

Your relationship with money is probably a bit more complicated than 'I spend money I don't have because I'm stupid'. It is probably tied up with all sorts of emotional stuff.

Think of all the lovely things you will be able spend the money you've had to spend on debt repayments when you're done. Save some too though!

Littlewoods do free returns, so send the stuff back. Don't even open the boxes.

McNewPants2013 Sun 14-Jul-13 21:59:05

I managed to cancel and i then asked to drop my credit limit to what I owe.

I had a far bit of PPI back and after i made my home decent i put the rest on debts.

McNewPants2013 Sun 14-Jul-13 22:09:05

the way i am doing it any spare money is going onto debt, i have not had a take aways ( i added it up that our weekly take aways added up to £80) for such a long time only use the car for work and shopping With shopping every thing is meal planned and i now longer use the canteen in work because that was costing £15 a week and looking in other areas of saving money.

WafflyVersatile Sun 14-Jul-13 22:11:03

See, you are clever not stupid. smile

Shylepite Sun 14-Jul-13 22:13:21

^ what waffly said smile

maddening Sun 14-Jul-13 22:14:00

check out freestyle and ebay for deals on swings etc reckon you could get the lot for under £50 - won't be snazzy and new but your going to shove them in the garden and let the kids loose on them !

McNewPants2013 Sun 14-Jul-13 22:19:05

that £80 a month not a week.

i don't care so much now, they don't need it.

WafflyVersatile Sun 14-Jul-13 22:32:33

stress free mums are better than trampolines.

WafflyVersatile Sun 14-Jul-13 22:32:59

if only just. hmm

MummyMastodon Sun 14-Jul-13 22:40:56

Hmm.

Well, look at it this way, you've invested in some great garden equipment which will give the kids some lovely days in the garden over the holidays, meaning you can spend less on visits /trips out / playbarns / cinema.

And, say they use the stuff for 5 years, that's £60 a year, right? Sound any better?

Cut yourself some slack, it seems like you have matters in hand.

McNewPants2013 Sun 14-Jul-13 22:48:04

Mummy my debts got so bad i nearly ended up in court for non payment of TV licence and non payment of council tax.

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